Deposit Accounts


Regardless of the size of your organization, we have a solution for you to manage cash, from a simple straightforward checking account to a more customized approach to help manage complex banking needs. A 1st State Banker will help you select the account that is right for you.




  • No minimum activity charge
  • No monthly maintenance fee
  • No minimum balance requirement
  • Unlimited items allowed*

*Items include checks paid and other debits, deposits and other credits, and checks deposited


Plus Checking

  • No minimum balance requirement
  • Tiered interest rate
  • 250 items allowed
  • Excess fees $0.25 per item over 250


Premium Money Market

  • $25,000 Average Monthly Balance to avoid maintenance charge
  • Tiered interest rate
  • Unlimited withdrawals if done in person or at the ATM
  • Preauthorized withdrawals, electronic transfers, or checks are limited to six per month


Vicki Pavlik, Vice President, Public Funds Manager
(989) 596-0854 | E-Mail


For more information, visit any of our Banking Offices, or please Contact Us.